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FDIC Consumer News is published by the Federal Deposit Insurance Corporation

Martin J. GruenbergChairman

Andrew GrayDeputy to the Chairman for Communications

Elizabeth FordAssistant Director, Office of Communications (OCOM)

Jay RosensteinSenior Writer-Editor, OCOM

Mitchell CrawleyGraphic Design

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FDIC Consumer News is produced quarterly by the FDIC Office of Communications in cooperation with other Divisions and Offices. It is intended to present information in a nontechnical way and is not intended to be a legal interpretation of FDIC or other government regulations and policies. Due to periodic changes in statutes and agency rules, always check the FDIC Web site — www.fdic.gov — for up-to-date information. Mention of a product, service or company does not constitute an endorsement.

This publication may be reprinted in whole or in part without permission from the FDIC. Please credit FDIC Consumer News.